Build now.
Pay over time.
Flexible financing plans that let you move forward with your fence, deck, or pergola without putting the project on hold.
Three plans.
Pick what fits your situation.
0% Interest Promo
0% interest for 12–18 months on qualifying projects. Pay off before the promo period and you pay nothing in interest.
- 0% APR for 12–18 months
- Available on projects $3,000+
- Quick online approval process
- No prepayment penalties
Subject to credit approval. Promotional period terms apply.
Check My Rate →Fixed Monthly Plan
Fixed monthly payments over 24–60 months. Predictable cost, no surprises. Good for larger projects where you want structured payments.
- 24, 36, 48, or 60-month terms
- Fixed rate — no variable changes
- Available on projects $2,500+
- Fast approval — often same day
Rates from 7.99%–29.99% APR based on creditworthiness.
Check My Rate →Deferred Payment
No payments for the first 90 days. Get your project built now while your finances settle. Interest accrues during the deferred period.
- 90-day no-payment start
- Project begins immediately
- Available on projects $4,000+
- Multiple term options after deferral
Interest accrues from purchase date during deferral period.
Check My Rate →See what your project
looks like monthly.
Select a project type or enter your own amount. Adjust the loan term to find a payment that works for your budget.
Payment Estimator
Select a Project Type
Or Enter a Custom Amount
Loan Term
Estimated at 9.99% APR — actual rates vary based on credit approval
How financing works
with Harbinger.
Request Pre-Approval
Fill out the short form below. Soft inquiry only — no impact on your credit score.
Get a Decision Fast
Most applicants receive a decision within minutes. Our team will call to confirm options.
Review Your Offer
Choose your plan — term, rate, and monthly payment. No pressure to accept on the spot.
Project Begins
Once financing is confirmed, we schedule your build and get started. No delays.
Check your rate.
No credit impact.
Takes 2 minutes. Soft inquiry only.